Protect your home, belongings, and liability with coverage built around real rebuild costs—not guesswork.
A homeowners policy typically includes protection for the structure, personal property, and personal liability.
Coverage details vary by carrier and location. We help you confirm what’s included, what’s excluded, and which endorsements are worth adding based on your property and risk profile.
These sections work together to protect your home and financial security.
Protection for the structure and attached components based on rebuild costs.
Coverage for detached garages, fences, sheds, and similar structures.
Protection for belongings, with optional upgrades for replacement cost coverage.
Helps cover temporary living expenses if your home is not livable after a covered loss.
Helps protect you if someone is injured on your property or you cause damage to others.
Covers smaller medical expenses for guests, regardless of fault, up to the policy limit.
Many homeowners need additional coverage beyond the base policy, depending on location and property features.
The most common surprises come from exclusions and sub-limits. We review the fine print with you.
Flood and certain water losses can require separate coverage or endorsements depending on the cause of damage.
Jewelry, art, and collectibles may be capped unless scheduled separately.
This impacts claim payouts for belongings and sometimes the home itself. We clarify what your policy uses.
We review liability needs based on assets, risk exposure, and whether an umbrella policy makes sense.
Short answers to the questions we hear most often.
We’ll help you choose limits, review endorsements, and compare options that fit your property and budget.